Financial Highlights

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Period Ended	2020 FQ1 YTD 3/31/2020	2019 FY 12/31/2019	2018 FY 12/31/2018	2017 FY 12/31/2017	2016 FY 12/31/2016
Balance Sheet ($000)
Total Assets	2,575,856	2,309,557	2,138,954	1,525,857	1,377,263
Total Net Loans	1,733,809	1,696,488	1,549,653	1,153,724	1,044,469
Total Deposits	1,991,939	1,678,764	1,579,893	1,204,923	1,121,103
Equity Attributable to Parent Company	328,167	330,126	298,898	184,461	137,616
Total Equity	328,167	330,126	298,898	184,461	137,616
Profitability (%)
Net Income($000)	7,833	33,878	14,139	15,872	17,217
Net Income Attributable to Parent($000)	7,833	33,878	14,139	15,872	17,217
ROAA	1.22	1.51	0.81	1.04	1.19
Core ROAA	1.26	1.54	1.42	1.10	1.22
ROAE	9.42	10.64	6.50	9.19	12.90
ROATCE	13.05	14.92	8.18	11.68	19.17
Core ROAE	9.77	10.84	11.41	9.70	13.23
Net Interest Margin	3.96	4.20	4.15	3.88	3.80
Reported: Net Interest Margin	4.10	4.31	4.21	4.01	3.93
Efficiency Ratio	60.50	61.46	63.33	67.77	65.17
Noninterest Inc/ Operating Rev	24.09	20.76	21.87	23.08	24.10
Balance Sheet Ratios (%)
Loans/ Deposits	87.51	101.80	98.86	96.66	94.15
Securities/ Assets	15.92	16.84	17.36	16.18	15.38
Total Equity/ Total Assets	12.74	14.29	13.97	12.09	9.99
Tangible Equity/ Tangible Assets	9.82	11.08	10.43	10.47	8.11
Tang Common Equity/ Tang Assets	9.82	11.08	9.98	9.31	6.70
Asset Quality (%)
NPAs/ Assets	0.31	0.37	0.42	0.59	0.81
NPA Excl Restructured/ Assets	0.22	0.24	0.27	0.40	0.51
NPAs & 90+ PD/ Assets	0.31	0.37	0.42	0.59	0.81
NPAs/ Loans & REO	0.46	0.50	0.57	0.77	1.06
Nonaccrual & 90+ & OREO/ Assets	0.22	0.24	0.27	0.40	0.51
NPAs & 90+ PD/ Loans & REO	0.46	0.50	0.57	0.78	1.06
NPA & Loans 90+/ Tangible Common Equity + LLR	3.09	3.29	4.07	5.93	10.76
NCOs/ Avg Loans	(0.01)	0	0.02	0.02	(0.02)
Loan Loss Reserves/ Gross Loans	0.97	0.86	0.87	1.13	1.26
Reserves/ NPAs	210.19	171.65	153.82	145.35	119.22
Loan Loss Provision/ NCO	NM	NM	331.91	0	NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000)	236,284	241,074	208,061	140,853	93,463
Tier 1 Capital($000)	265,711	270,501	246,852	187,638	141,840
Tier 2 Capital($000)	16,948	14,767	13,679	13,134	13,305
Total Capital($000)	282,659	285,268	260,531	200,772	155,145
Total Risk-weighted Assets($000)	1,854,018	1,768,818	1,616,090	1,212,810	1,092,952
Tier 1 Common Capital (CET1) Ratio(%)	12.74	13.63	12.87	11.61	8.55
Tier 1 Ratio(%)	14.33	15.26	15.30	15.47	12.98
Total Capital Ratio(%)	15.25	16.10	16.15	16.55	14.20
Liquidity Coverage Ratio(%)	NA	NA	NA	NA	NA
Leverage Ratio(%)	10.66	12.35	12.22	12.70	10.55
Basel III Leverage Ratio(%)	NA	NA	NA	NA	NA
Per Share Information ($)
Common Shares Outstanding(actual)	16,064,010	16,687,542	15,603,499	10,198,475	8,343,509
Avg Diluted Shares(actual)	16,517,745	16,851,740	13,855,707	12,352,616	10,950,961
Basic Book Value per Share	20.43	19.78	18.56	16.39	14.22
Book Value per Share, As Reported	20.43	19.78	18.56	16.39	14.22
Basic Tangible Book Value per Share	15.24	14.77	13.14	13.68	10.84
Tangible Book Value per Share, As Reported	15.24	14.77	13.14	13.68	10.84
Common Dividends Declared per Share	0.11	0.42	0.32	0.25	0.22
EPS after Extra	0.47	2.01	1.02	1.28	1.57
EPS after Extra Growth(%)	(17.50)	97.10	(20.30)	(18.50)	34.20
Core EPS	0.49	2.05	1.79	1.35	1.61
Core EPS Growth(%)	(16.10)	14.40	32.40	(16.10)	30.30
Diluted EPS before Amortization	0.48	2.07	1.05	1.33	1.63
Pre-Provision Earnings per Share	0.53	1.90	1.75	1.16	1.33

Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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